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Checkout.com
by Checkout.com
by Checkout.com
Profile Information Last updated on: 29 August 2024
Profile Information Last updated on: 29 August 2024
We help make selecting a software for your business effortless, economical and efficient.
by Checkout.com
by Checkout.com
Profile Information Last updated on: 29 August 2024
Profile Information Last updated on: 29 August 2024
The implementation process for Checkout.com software involves several key steps, designed to ensure a smooth integration and setup for businesses looking to start processing payments with Checkout.com. The typical process includes the following steps:
1. Application and Onboarding: The first step is to complete an online application, which will be reviewed by Checkout.com's dedicated Onboarding team.
2. Contract: Once the application is approved, a contract will be executed, and production credentials will be provided to the business.
3. Documentation: Businesses may be asked to provide additional documentation, such as corporate structure documentation, legal entity details, bank account information, and details about principal owners.
4. Pilot: Checkout.com recommends that merchants perform a test transaction or pilot in production before processing real customer transactions. This step allows businesses to ensure that everything is set up correctly and will work as expected.
5. Go Live: After the successful completion of the pilot, businesses can begin processing live transactions of their customers.
6. Ongoing Support: Even after going live, businesses will continue to have access to Checkout.com's Customer Success team for all necessary support. The team offers ongoing consultation on payment optimization, growth strategies, fraud prevention, and shares new Checkout.com features and payment methods as they become available.
The duration of the implementation process can vary depending on several factors, including the complexity of the business's requirements, the readiness of the required documentation, and the speed of completing the pilot phase. While specific timelines are not provided, businesses can expect the process from application to going live to be thorough and to take enough time to ensure a secure and optimized setup. For a more precise timeline, businesses are encouraged to discuss their specific needs and circumstances directly with Checkout.com.
In addition to the main implementation steps, businesses considering Checkout.com as their payment service provider should also assess their technical requirements. This includes selecting an integration method, exploring technical integration documents, choosing payment methods, and considering additional APIs and capabilities such as reporting APIs, webhooks for event notifications, and fraud detection tools. This technical preparation is crucial for a successful integration and smooth operation once live.
Checkout.com software can be customized to fit specific business needs. The platform offers a range of customization options to ensure that businesses can tailor the payment experience to their specific requirements.
1. APIs and SDKs: Checkout.com provides APIs and SDKs that allow businesses to build custom payment forms on their websites or mobile apps. This flexibility supports a tailored integration that can align with the unique workflows or design preferences of a business.
2. Customizable Checkout Experience: Businesses can create a tailored checkout experience that aligns with their brand identity. This includes customizable payment pages hosted by Checkout.com, which enhance brand consistency and trust.
3. Hosted Payment Pages: For businesses not looking to take payments directly on their app or website, Checkout.com offers hosted payment pages as a secure way to take payments. These pages can be customized to match the website branding and maintain a consistent user experience.
4. Low-Code Options: Checkout.com provides low-code options that make calls to an external payment API, such as hosted payment pages, Payment Links, and Components (Beta). These interfaces require lower levels of compliance and can be customized to fit the business's needs.
5. Payment Components Customization: Once Payment Components are integrated, businesses can customize their appearance, including modifying the font, dimensions, spacing, positioning, and colors of specific component elements. Additionally, businesses can set their own locales for languages not natively supported by the Payment Component.
6. Flexible Integration Solutions: Checkout.com offers a range of integration solutions from fully custom APIs to prebuilt interfaces that reduce complexity and can be set up quickly. These solutions are designed to grow with the business while reducing the operating burden.
7. Customizable Payment Flows: Businesses can customize their payment flow to remove friction from their payments page with custom prompts and error messages, and the ability to pay with saved card details.
8. Customizable UI for Mobile Apps: Checkout.com provides fully customizable UI and payment forms for iOS and Android apps, with the option of utilizing the full SDK or headless use of key functionality. This allows businesses to seamlessly blend the payment experience into their app’s look and feel.
These customization options demonstrate Checkout.com's commitment to providing flexible and adaptable payment solutions that can meet the diverse needs of businesses across various industries.
Checkout.com does not charge additional costs such as setup fees, account maintenance fees, or support charges. This is consistently highlighted across multiple sources, emphasizing the company's commitment to transparent and straightforward pricing.
No Setup Fees: Checkout.com explicitly states that there are no setup fees involved when starting to use their services.
No Account Maintenance Fees: The company assures that there are no account maintenance fees, which helps businesses manage their costs more predictably.
These policies are part of Checkout.com's broader approach to pricing and customer service, aiming to provide clear, predictable, and fair pricing to its users.
Checkout.com offers comprehensive training and support to new users to ensure a smooth onboarding process and effective use of their payment solutions. The support and resources provided include:
1. 24/7 Support: Checkout.com provides round-the-clock support to address any issues users might encounter. This ensures that businesses can get help whenever they need it, minimizing any potential disruptions to their operations.
2. Dedicated Account Management and Service: New users receive dedicated account management, which includes personalized service to help them navigate the setup process, understand the platform's features, and optimize their payment processing capabilities. This tailored support is crucial for businesses to make the most out of Checkout.com's services.
3. Risk and Fraud Management Tools: As part of the onboarding process, Checkout.com equips new users with risk and fraud management tools. These tools are designed to protect businesses from fraudulent transactions and other security threats, providing a safer payment environment.
4. Integration with Major Shopping Carts: Checkout.com supports integration with all major shopping carts, making it easier for new users to connect their existing e-commerce platforms with Checkout.com's payment processing capabilities. This simplifies the setup process for businesses that already have an online presence.
5. Documentation and Guides: Checkout.com offers detailed documentation and guides that cover various aspects of their services, from integration and API usage to handling payments and managing accounts. This comprehensive resource library is invaluable for new users looking to understand how to effectively use the platform.
6. Training for Colleagues and Recruiters: Checkout.com invests in training for their colleagues and recruiters on how to best support users, including those with disabilities. This ensures that the support team is well-equipped to assist new users with any challenges they may face, fostering a more inclusive and accessible service.
7. Community Support: Checkout.com has a vibrant community of users and experts. New users can benefit from this community by sharing experiences, asking questions, and receiving advice from peers who have gone through the onboarding process. This peer support can be particularly helpful for troubleshooting and best practice sharing.
These training and support mechanisms are part of Checkout.com's commitment to ensuring that new users can seamlessly integrate their payment processing solutions and leverage the full potential of their services from the outset.
Checkout.com employs a variety of security measures to protect data and ensure secure online payment processing.
1. PCI DSS Compliance: Checkout.com is certified as a PCI DSS Level 1 Service Provider, which is the highest standard set by the payment card industry for secure data handling.
2. Fraud Detection and Prevention: Checkout.com offers advanced fraud detection capabilities through its Fraud Detection Pro solution, which uses a combination of machine learning, flexible rules, and real-time monitoring to identify and prevent fraudulent activities.
3. Encryption and Tokenization: Sensitive data are protected using encryption, which converts data into a secure format that can only be read or processed after decryption. Checkout.com also uses tokenization to transform sensitive cardholder information into a unique series of characters (tokens) that cannot be reverse-engineered.
4. Strong Customer Authentication (SCA): Checkout.com supports SCA, which is a requirement under the EU Payment Services Directive (PSD2) that adds an extra layer of security through multi-factor authentication during payment transactions.
5. Secure Payment Methods: The platform facilitates secure payment options, including digital wallets and 3DS, which provide additional security layers through methods like multi-factor authentication.
6. Comprehensive Monitoring and Alerts: Checkout.com's systems monitor transactions in real-time or near-real-time to detect and prevent fraud. Custom rules and alerts can be set up to manage and respond to suspicious activities effectively.
7. Data Protection and GDPR Compliance: Checkout.com has enhanced its privacy program to comply with the General Data Protection Regulation (GDPR), ensuring the protection of personal data through strict data processing and security measures.
These security measures demonstrate Checkout.com's commitment to maintaining high security standards and protecting both merchant and customer data from potential threats.
Checkout.com releases updates to its platform and services regularly, although specific frequencies are not detailed in the provided sources. However, the management of these updates is well-documented and involves several key practices:
1. Version Management: The newest version of the Checkout.com payment integration, known as the NAS platform, became available starting September 7, 2023. This suggests that significant updates, such as new platform versions, are planned and announced ahead of time to ensure users can prepare and transition smoothly.
2. Documentation and Support: Checkout.com provides extensive documentation and support for managing updates. This includes detailed API references and guides that help users understand and implement changes. For instance, the documentation covers how to update Checkout.com payments, indicating a structured approach to managing updates through their API.
3. Real-Time Features: Some updates are integrated into services like the Real-Time Account Updater, which automatically updates payment card details as changes are detected. This feature indicates an ongoing, dynamic update process within certain functionalities to enhance performance and reliability.
4. Continuous Improvement: The platform's design for scalability and optimization, including self-healing capabilities and utilization of cloud-native features, suggests a continuous improvement philosophy. This likely includes regular updates to maintain high performance and reliability.
Checkout.com's policy on data ownership and portability emphasizes transparency and compliance with data protection regulations.
1. Data Ownership: Checkout.com acknowledges the ownership of data by the data subjects. They ensure that personal data is handled in a way that respects the rights of the individuals whose data they are processing.
2. Data Portability: Checkout.com supports the right to data portability, which allows individuals to request the transfer of their personal data to themselves or to a third party. This right is particularly emphasized under the GDPR (General Data Protection Regulation), which Checkout.com is committed to complying with. The company has enhanced its privacy programs to align with GDPR requirements, ensuring that data portability is facilitated as part of their operational processes.
3. Transparency and Compliance: The company's commitment to transparency is reflected in their legal agreements and privacy policies. They provide clear information about how personal data is collected, used, and shared. Compliance with data protection principles is a cornerstone of their operations, ensuring that personal information is processed lawfully, fairly, and transparently.
Checkout.com offers flexible terms for scaling up or down as organizational needs change, reflecting their commitment to adaptability and customer-centric service.
1. Customizable Solutions: Checkout.com provides varied and customizable APIs, such as the Reconciliation API, which allows organizations to pull granular data tailored to their specific needs. This flexibility supports businesses in scaling their operations up or down without significant constraints.
2. Tailored Pricing: The pricing model at Checkout.com is designed to be transparent and tailored to the business profile and risk category of each client. This approach means that as a business grows or scales down, the pricing can adjust accordingly to fit the new scale of operations.
3. Adaptable Payment Processing: Checkout.com's payment processing platform is built to handle varying volumes of transactions, making it suitable for businesses as they expand or contract. The platform's capability to process payments in over 150 currencies and provide domestic coverage in 45+ countries supports scalability across different markets.
4. Support for Growth and Reduction: The platform's infrastructure is designed to support both rapid growth and scaling down. This is evident from Checkout.com's strategic investments in technology that cater to expanding market demands, as well as their ability to maintain service quality during changes in transaction volumes.
These terms and features demonstrate Checkout.com's ability to provide services that can dynamically adapt to changing organizational needs, whether that involves scaling up to meet increased demand or scaling down in response to strategic shifts or market conditions.
The terms and conditions for contract renewal and cancellation for Checkout.com are outlined in several of their legal documents.
1. Advance Notice for Changes: Checkout.com commits to informing users about any material changes to their API, software, or other relevant software at least 2 months in advance. However, they may provide less notice if required to comply with applicable laws, payment scheme rules, or third-party acquirer requirements, or to enhance security or protect their business.
2. Termination by Users: Users can terminate their agreement with Checkout.com by providing one month's prior written notice. This allows users to discontinue using Checkout.com's services with a relatively short notice period, offering flexibility to end the service agreement.
3. Continuation of Certain Provisions Post-Termination: Even after termination, certain provisions of the agreement that give rise to continuing obligations will remain in effect. This includes any accrued rights, obligations, and liabilities as at the date of such termination.
4. Immediate Termination Under Specific Conditions: Checkout.com or the bank may terminate, suspend, or restrict the bank terms if any payment scheme, at any time for any reason, requests or requires such action. Additionally, if a party cannot perform its obligations due to reasons outside of its control for more than 30 continuous days, either party can terminate the bank terms immediately.
5. Intellectual Property Rights: Upon termination, the limited, non-exclusive, and non-transferable personal license granted to use Checkout.com’s API, software, and other materials will also terminate. Users must comply with all instructions provided by Checkout.com and must not create or attempt to create any work based on Checkout.com’s intellectual property.
6. Handling of Disputes and Complaints: If users have complaints, they can initiate a complaints procedure by contacting Checkout.com directly. The company aims to resolve complaints quickly and will provide a final response within a specified timeframe. If the user is not satisfied with the final response, they may refer the complaint to the Financial Ombudsman Service.
These terms ensure that both Checkout.com and its users have clear guidelines on how to manage the renewal or cancellation of contracts, providing a structured approach to ending or modifying the service agreement.
Checkout.com software meets the following compliance standards:
1. PCI DSS Level 1 Compliance: Checkout.com is certified as a PCI DSS Level 1 Service Provider, which is the highest standard set by the payment card industry for secure data handling.
2. Strong Customer Authentication (SCA): Checkout.com supports SCA, which is a requirement under the EU Payment Services Directive (PSD2) that adds an extra layer of security through multi-factor authentication during payment transactions.
These compliance standards ensure that Checkout.com provides a secure environment for processing payment transactions, safeguarding both merchant and customer data.
By Checkout.com